Annual Bonus Rates Table February 2025

Notes:

¹ Where two rates are given, the first bonus rate applies to the guaranteed basic benefit and the second bonus rate applies to the existing regular/annual bonuses.

² This includes:

• Group Personal Pension
• Unitised Group Personal Pension Contracts issued as Corporate Pensions business
• Unitised Pension Transfer Plan
• Trustees Transfer Plan
• Bond 32 101
• Pension Transfer Plan Section 32 Buy Out
• Money Purchase Plan
• Prudential (2003) Money Purchase Pension Plan
• Prudential (2000) Personal Pension Scheme

The Prudential (2000) Personal Pension Scheme policies are entitled to bonuses from the Pensions With-Profits Fund.

The Bond 32 101 and Pension Transfer Plan Section 32 Buy Out products may have units designated to cover GMP in the With-Profits II Fund for which the rate will be 1% lower than the Unitised Group Pensions rate shown in the table above.

³ Where two rates are given, the first bonus rate applies to the basic units and the second bonus rate applies to the bonus units.

⁴ This category applies to members of the following schemes:

• The Prudential Personal Pension Scheme (T86)
• The Prudential Free-Standing Additional Voluntary Contribution Scheme (T96)

And holders of the following plans:

• Prudential Personal Pension (T76)

⁵ This category applies to all Ex-SAL Series A and Premier Plans (including TIP Series A) written before the transfer to Prudential on 01/01/2003.

⁶ Subject to a guarantee of 4.75% or 2.50% for certain earlier business.

⁷ AVC bonus series with guarantee charge that is currently no more than 4% for new AVC customers with effect from March 2019, with deductions building up to this level over the first few years of the policy. The starting (2019) annual bonus rate for the new bonus series was the same as the existing AVC bonus series, and continue to remain so at Final 2025. It is possible the annual bonus rates for the two bonus series could diverge in the future.

⁸ With effect from 01/03/2020, the high tier bonus threshold was reduced from £6,000 to £2 implying all PSA/PIB business receive high tier bonuses for new money invested from that date going forward.

⁹ This category applies to members of the following schemes, currently on Capsil:

• The Prudential (PFS) Personal Pension Scheme
• The Prudential (PFS) Freestanding Additional Voluntary Contribution Scheme

And holders of the following plans:

• Prudential Flexible Retirement Plan (Mk1 and Mk2)
• Prudential Personal Pension Account (Mk1 to Mk3)

¹⁰ This category also applies to members of the following schemes:

• Prudential Series A and Premier Plans written on or after 01/01/2003.